2025 EXAM VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE PRACTICE | NEWEST 100% FREE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE LEARNING MATERIALS

2025 Exam Virginia-Life-Annuities-and-Health-Insurance Practice | Newest 100% Free Virginia-Life-Annuities-and-Health-Insurance Learning Materials

2025 Exam Virginia-Life-Annuities-and-Health-Insurance Practice | Newest 100% Free Virginia-Life-Annuities-and-Health-Insurance Learning Materials

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q45-Q50):

NEW QUESTION # 45
Since HMOs negotiate provider networks in advance of care, HMO members:

  • A. Have a limited choice of care providers
  • B. Are encouraged to carry individual health insurance coverage
  • C. Waive the right to re-enroll in an insurance company indemnity plan
  • D. Pay the entire cost for all use of non-HMO providers, regardless of circumstances

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* HMOs limit members to a pre-negotiated network of providers (B), restricting choice to control costs.
* Non-network care (A) may be covered in emergencies, not always fully out-of-pocket. Options C (waive re-enrollment) and D (individual coverage) are not HMO features.
The Virginia study guide describes HMOs as managed care plans with a restricted provider network, emphasizing cost control through limited choice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 46
The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:

  • A. Prosthodontics
  • B. Orthodontics
  • C. Periodontics
  • D. Endodontics

Answer: B

Explanation:
In the context of health insurance, particularly dental coverage, Virginia Code § 38.2-3407.1 et seq. governs mandated benefits, though dental specifics often appear in policy riders or standalone plans. Orthodontics (option A) is the branch of dentistry focused on preventing and correcting irregularities of the teeth and jaws using mechanical devices like braces or aligners, precisely matching the question's description. Endodontics (option B) deals with the tooth's interior (e.g., root canals), not mechanical correction of alignment.
Periodontics (option C) addresses gum diseases and supporting structures, not tooth positioning.
Prosthodontics (option D) involves replacing missing teeth with prosthetics (e.g., dentures), not correcting irregularities mechanically. The study guide likely defines these terms in a health insurance section, emphasizing orthodontics' role in alignment correction-both preventive (e.g., avoiding bite issues) and corrective-making A the clear answer. Examples like braces for malocclusion reinforce this distinction from other specialties.


NEW QUESTION # 47
The interest that an insurance company earns on life insurance premiums paid helps to:

  • A. Decrease the life insurance premium rate
  • B. Increase the mortality rate
  • C. Decrease the mortality rate
  • D. Increase the life insurance premium rate

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance premiums are calculated based on three factors: mortality (death rates), interest (investment earnings), and expenses (operating costs).
* When an insurer earns interest on premiums invested, it increases the funds available to pay claims, reducing the amount needed from policyholders.
* This results in a decrease in the premium rate (C), as higher interest earnings offset the cost of coverage.
* Option A (increase premium rate) would occur if interest earnings decreased.
* Options B and D (mortality rate changes) are unrelated to interest, as mortality is a statistical factor, not a financial one.
The Virginia study guide explains that interest earned on premiums is a key component of pricing life insurance, allowing insurers to lower premium rates when investment returns are favorable. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Premium Determination."


NEW QUESTION # 48
A health insurer must generally pay for all of the following types of claims EXCEPT:

  • A. Those less than $20 above the deductible amount
  • B. Those incurred after termination of coverage
  • C. Those incurred before termination of coverage
  • D. Those related to mental or nervous disorders

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Health insurance covers claims incurred during the policy period (A), not after termination (B), unless extended benefits (e.g., COBRA) apply, which is not indicated here.
* Claims above the deductible (C), regardless of amount, are payable if covered.
* Mental or nervous disorder claims (D) are typically covered unless excluded by the policy, which is not specified.
* Thus, claims after termination (B) are the exception.
The Virginia study guide states that health insurance liability ends upon policy termination, barring specific continuation provisions, making post-termination claims generally non-payable. Reference:Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Coverage Terms."


NEW QUESTION # 49
The owner of a life insurance policy who enters into a viatical settlement contract is called:

  • A. A viatical settlement provider
  • B. A viatee
  • C. A viatical settlement broker
  • D. A viator

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* A viatical settlement involves a terminally ill policyowner selling their life insurance policy for a lump sum. The policyowner in this transaction is called the viator (C).
* The viatical settlement provider (A) is the entity purchasing the policy.
* The viatical settlement broker (B) facilitates the transaction.
* "Viatee" (D) is not a recognized term in this context.
The Virginia study guide defines the viator as the insured policyowner who sells their policy in a viatical settlement, typically due to a terminal illness. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Viatical Settlements."


NEW QUESTION # 50
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